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I got several credit cards when I turned 18, and then lost my job. I was unemployed for about a year, and it took a toll on my financial history. My bank account was sent to Chexsystems, my credits were sent to collections, and now my credit is in the high 500s. I was able to find work, finally, last year, and spent to recovering my debts, and getting them settled on my report. Now that that is done, what is the next step I need to take to raise my credit. What I really need to a bank account. Any ideas?